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Fixed universal life

Flexibility + stability

Fixed universal life provides flexible premium payments and reliable cash value growth tied to a fixed interest rate, offering stable growth over time.

Because these policies have a guaranteed crediting rate, you are not subject to investment risk and your cash value accumulates regardless of market fluctuations.

Fixed universal life is less risky than other universal life policies, so its growth potential is the most limited.

Benefits to you

  • Lifetime protection for your loved ones
  • Flexible premiums allow you to adjust your payments, or you can choose a fixed amount
  • Ability to adjust your benefit amount to align with your changing life – you may want more coverage as your family grows and later decide to reduce your benefit as your children gain independence1
  • Ability to build stable, tax-deferred cash value on a tax-advantaged basis for unexpected expenses such as travel opportunities, supplemental retirement income or college funding
  • Protection from market fluctuation

Considerations

  • If you do not pay enough premium, the policy may lapse
  • Loans and withdrawals will impact both the death benefit and policy surrender value
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How do I purchase life insurance?

Our insurance products can be purchased through a financial professional or may be offered through your employer, financial institution or association.

To see how much insurance you may need, use our easy-to-follow calculator. 

Start calculating

Life insurance FAQs

Understanding the ins and outs of life insurance can be a challenge. Here are some simple answers to the most common questions about life insurance.

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1 Additional underwriting may be required to increase insurance coverage. 

Insurance policy guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. 

Please keep in mind that the primary reason to purchase a life insurance product is the death benefit.

Life insurance products contain charges, such as Cost of Insurance Charge, Cash Extra Charge, and Additional Agreements Charge (which we refer to as mortality charges), and Premium Charge, Monthly Policy Charge, Policy Issue Charge, Transaction Charge, Index Segment Charge, and Surrender Charge (which we refer to as expense charges). These charges may increase over time, and these policies may contain restrictions, such as surrender periods. Policyholders could lose money in these products.

Policy loans and withdrawals may create an adverse tax result in the event of lapse or policy surrender, and will reduce both the surrender value and death benefit. Withdrawals may be subject to taxation within the first fifteen years of the contract. You should consult your tax advisor when considering taking a policy loan or withdrawal.

Depending upon actual policy experience, clients may need to increase premium payments to keep the policy in force.

You should consult your tax advisor regarding your own tax situation. 

DOFU 3-2025

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